It’s Not Your House — The Bank Stole It

House Fraudclosure

The Market Ticker – It’s Not Your House — The Bank Stole It




Wholesale document fabrication and slander of title, imposing potential double liability on the property owners and issuance of fatally flawed deeds.

It’s not your house.

It was stolen.

In virtually every case reviewed over the period of the last two years.

No, the fraud has not stopped with the housing bubble collapse.  It has instead accelerated.

Oh, and the county — one county in Texas — was apparently rooked out of over $868,000 during the same time by these practices.

And you guys wonder why I started writing The Ticker in 2007, and why, today, given the lack of outrage and action by the citizens of this nation, including but not limited to the more than 90% return rate for Representatives and Senators, it is very hard for me not to conclude that this has been one gigantic waste of time when nobody will get off their ass and do anything about their own continual financial rape?

The difference between rape and sex is consent.


View with responses


11 Responses to “It’s Not Your House — The Bank Stole It”
  1. We were “attacked” by Fifth Third Bank. After 10 years of perfect payments, we simply asked for a little bit – a very little bit – of help. Here is our story…

  2. Dear Fannie Mae and the rest of you who took our home,

    Our house isn’t just the address it sits upon at 234 E. Heather Ave Gilbert, AZ 85234, its more than that ya see, The story of OUR precious home starts with two people, Newlyweds, with the “American Dream” in their hearts as they search for that “just the right home” to spend the rest of their lives. They looked and looked and were quite picky I may add, they wanted not just a house to call their own but a place to raise a family someday. After looking at all those homes for months on end, they decided upon a little brick house built in 1980 in the “older section” of Gilbert, AZ. The Hubby was originally from Kansas and Missouri and raised in Iola, Ks to be exact, ahhh but the “wifey” was a proud born and raised Arizona native. She had always wanted to live in Gilbert, when she was younger Gilbert was the Affluent town and full of country living with friendly people that would wave to ya as you drove thru downtown. One of the only places in “modern” city life Arizona that still has only a couple of street lights and a “15-25” mph speed limit, strictly enforced she may add. When they found this home and this quite, friendly, seeming neighborhood, she beamed with excitement and wouldn’t stop bugging her newly married Husband that “This is the one”. They moved in officially in early February 1998 to start their new life together. Not many months after the right thing to do was get a dog to make them a family and she answered an ad in the paper of a little Shepard Retriever that had been found on the US 60 wandering around and was only a baby. Just 1-2 years old. OMG!! How sad she thought. So when she spoke to hubby he said” NO LONG HAIRED DOGS” and that was the important thing period to him. Well she hopped in her truck with her friend in tow and hit the pet store to stock up on treats and all the basic needs of the new four legged friend to have to welcome it to its new home.

    She didn’t know if it was a boy or girl just yet. When she arrived to see the dog, She was told they named her Missy, Missy White Paws due to the tips of her toes. She was locked in a crate and hiding, yet when the wife bent down and opened the crate “Missy” “army crawled” out to her and instantly showed that “once again….”This is the one”. OOPS a long hair she was, but wifey didn’t care, when fate happens you have to go with it. So home they went. Hubby wasn’t happy at first and Missy was more than a handful let me tell you, obviously due to the bad hand she was dealt the year before this family got her and the love she now knew, she couldn’t stand when “her people” were away and made the neighbors behind them annoyed not to mention several occasions decided to eat house and home, no joke. To the point, one day wifey came home and Missy had ate the arm off the brand new couch, she scooped Missy up and ran away to her Best Friend Charity’s house to hide, until Hubby promised not to hurt missy or get rid of her. The promise he made and kept and after getting Missy on Meds, all was well in our new home. She became the first child and spoiled just like one would be. A few years later it was time to start a “human” family and in April 2000, a little girl was born. No only was Missy the glue that held together a new family, this little miracle was even more so. See that couple tried for two years to make this little girl and just when they thought they were to be “pet parents only” forever, God answered their prayers. So as this beauty grew, she not only did all of her firsts in this home, but across the street at the neighbors, Whom they refer to as “Papa D and Gramma P” is where she took her first steps in his driveway, I mean actual walking steps. She took her first swim in the pool in the backyard, she went potty for the first time like a big girl in HER bathroom in the hall. She has pictures and videos of all of her firsts in THAT house as well as many of her cousins and family members. This house was also known in the neighborhood, as the home for wayward children and people. Anytime, anyone needed a place to hang their head in tough times, THIS IS THE HO– USE it happened. This is the home we lived when I (wifey) donated my kidney across the US in Florida to a perfect stranger in the middle of our court battle, fighting to save our home from being taken from us.

    This was the house where the door was always open to a friend in need. Our home is and was to us a warm bed that you can’t get out of in the morning, a tiny pink toothbrush in the bathroom, and the sound of my husband’s key in the door at the end of the day, the familiar sound of the jeep or motorcycle that the dogs new so well. The final resting place of our Beloved Missy, who loved to steal the vine ripen and only RED tomatoes off the plants in the backyard, so she was laid to rest in that very garden she loved so much, 11 years after she became our very first child. The place where right next to her is one of our “wayward children” little gizmo a Chiquaqua I found at a circle k on my way home from work, that the clerk actually kicked across the parking lot out the front door, all because it was over 115 outside and he just wanted to cool off. We need, want and miss our home, a place where we once thought of the word home as where we had grown up, yet we learned its where our family did. Houses get bought and sold; a home stays with you always. Comfort. Security. Favorite family memories. A place for sleepovers. A place of refuge a place all yours. This was something as a child I never had. I (the wifey) had moved well over twenty plus places, I could point em all out across the valley. My hubby on the other hand had three. This home was the first stability I ever had and now its gone and I will not stop fighting for it as this new life we are now living of uncertainty is not the life I wish upon ANYONE! The loss of our home was, is and remains devastating to say the least.

    Not only do I cry, my little girl and hubby cries, our friends cry for and with us and even our dogs we have now, one Missy’s old friend, Gramma Sam and the others born their in the very rooms between those cement and stucco walls cry in their own way. They too don’t understand why were not there. See, Our Fraud, deception, criminal activity actually goes back to the day we bought this, our first home, way back in 1997 and it is now all so obvious its makes me cry a lot. Yet I get back up and fight. I have sent letters to President Obama, Senator John McCain, Senator Russell, Senator Kyle, The Office of Thrift and Supervision, FTC, HUD, Fannie Mae, Aurora Loan Services, Mayor of Gilbert, AZ, News Station, Gov. Jan Brewer of AZ, The Arizona Attorney General Office, YOU NAME IT, EVERYONE Knows my name I bet ;0) . I have sent one there. Go ahead Google my name you will be in for a treat. I am known like a thorn in everyone involved sides as the prickliest of thorns, I was literally finally told, that when I call the screen flashes and they are told not to talk to me. YES SERIOUSLY….. All the way up the ladder’s of Fannie Mae, Lehman Brothers , etc.…. think big,,,, I been there, called there, wrote there ..SOMETHING there…I have filed all appropriate documents including a complaint to the Office of Thrift and Supervision, Congress, FBI, I wrote the Oversight Committee and got a nice response actually, you get the idea Sir/Ma’am. All of which my complaints have never been answered with the exception of Sen. John McCain and The Arizona Ag’s Office, as well as the Mayor Of my hometown of Gilbert, Mayor Lewis. Or if they are it’s a I cant help, or when they do,, ALS responds and even though the answers are plain, bold face lies that I already sent the supporting documents to the requester of help I had seeked, they seem to allow it to continue, send me what they received and say “Well see we helped… vote for us next election or, Hey we sent a letter what do ya want sorry, etc. etc.” Its ok .. Again I am use to it. Yet I WILL NOT GIVE UP!!

    We go to our courts and our government for help in matters such as when the laws are meant to hold banks accountable for their fraudulent and illegal activity. In Arizona it seems some of our Maricopa County Superior Court Judges are seemingly, more interested in punishing those who didn’t break any laws, namely homeowners, instead of punishing the banks who blatantly break the laws, create fraudulent documents, try to illegally foreclose, and then lie about it. Including that “You don’t get a lawyer your going to loose” as we were told at our last hearing, yet the previous hearing he praised our good faith and hindered the Defendants Council on their breach of contract and bad practices etc. So needless to say we were stumped.

    There is a quote my mom and others piece by piece instilled in me that I always turn to when I am about to loose it, and that is “See the light that exists inside you and freely, willingly shine that light on the world. You never know the impact you can make on another persons life. You may never know if you made a difference yet keep shining anyway. Sometimes the best rewards are no rewards at all…and the very fact that One person can change the course of history. Yet always remember thru it all, its always YOU, that is that ONE person first and foremost!” I know that Everybody in this life has their challenges and difficulties. That is part of our mortal test. The reason for some of these trials cannot be readily understood except on the basis of faith and hope because there is often a larger purpose which we do not always understand. Peace comes through hope. Were suppose to see each other through the best of times and the worst of times, and this is our worst of times.

    We want our home, we never wanted to leave it, nor did we EVER ONCE say we would not pay for it. We had been there well over a decade and always paid 1 to 4 hundred more each month on principal the entire time, until the economy tanked and we needed help and then the nightmare for the last three years ensued and YOU NOR ANY OF THE BANKS INVOLVED would help, all it boiled down to was to take our home and we were just plain old deadbeats whom wanted a free house.We just want our house and help with payments we can handle until the job market returns, that’s all we ever wanted and the fact of our title being correct and fair and legal so someday IF we did sell, it wouldn’t be clouded. That’s all we have ever wanted, if anyone even cares.


    The Misenhelter Family Of Arizona and

  3. Oh ….Dealing with JP Morgan Chase/Wamu in a foreclosure is a frigen scream….Proof they have no standing…and they keep running in circles …seeking for whatever or someone to save their a$$…I don’t want to hear of courts backloged…the courts are causing the backlog working on the fraudsters side of the crime…aiding and abetting….keep putting in the motions…fight with all your knowledge…do not agree to any settlement or sign NOTHING….they own nothing…they want a free home….to catch a crook you must think like a crook……………

  4. kayewolf says:

    62 months and I haven’t made a payment. Sale scheduled for 2/5. House been sold once and now they are trying again.

    Funny thing is, I’ve been arguing about Nikole Shelton in California court for over a year, introducing evidence against her. Now I see she is mentioned in Texas. Wow,

  5. Judith McDonald
    12:10 PM (1 hour ago)

    Bank of America 2/1/13 info
    Dear Sir:
    In order to foreclose on me BofA must demonstrate this right and I believe I have enough forgeries, fraud and 600 pages of documents with half having NO signatures.The note you keep sending does not have a written date and I know the year this was signed.If this bank really thinks you can win I wait to have my DAY in Chancery Court of Delaware/. All corresponding must be in writing sent to me by this e mail address or home address.
    Silk Abstract, Blank/Rome will also need to explain the fraud they provide Bank of America Office of the President.
    Debt is disputed and if this continues BofA has NO LEGAL STANDING. Remember you committed the fraud and I have all necessary documents to go into court knowing the out come
    Judith Mc Donald

  6. LDeanTX says:

    Seriously, I am about sick and tired of Bank of America sending people to my door leaving a notice that reads “Important Information Enclosed” Please call 1800-669-6650. In a gold sealed envelope. Bank of America WHO OWNS THE NOTE!!! WHO ARE YOU A DEBT COLLECTOR FOR? Answer the question. If your are not doing anything illegal, it is a very simple question. I can lay it out for you and tell you the parties involved and how about you pick one. OK Lender is America’s Wholesale Lender, Mortgage Electronic Registration Systems Nominee and Beneficiary in a administrative role, CTC Real Estate Trustee, Bank of New York Mellon, fka CWABS 2007-2 Asset Backed Certificates, LSI Title Agency, Specialized Lending Services…… Lot of folks to choose from hear don’t you think? Oh wait did I mention the Investors? If I didn’t sorry include the investors too. Stay off of my property. Stop sending me letters from your attorneys that read Bank of New York Mellon is the Owner of the Note. They are not the Investor or the Owner. They have answered that question. Where is America’s Wholesale Lender? Where is the freaking Lender? I am so sick and tired of this. Maybe we need to see if the Security Exchange Commission can answer the question. Bank of America you are the SERVICER A STUPID ONE BUT YES THE SERVICER. So folks everybody the OCC, The Department of Justice, The consumer protection agency, FBI, CIA, President of the United States, Congress, Legislators, judges, every single person who reads this blog. THIS IS FRAUD! THIS IS A CRIME! SICK OF THIS HARASSMENT, THIS BURDEN, THIS SHIT HOLE OF A PLACE OUR OWN BANKS AND GOVERNMENT HAVE MADE. TELL ME WHO OWNS THE DAMN PROPERTY YOU IDIOTS.

  7. KY girl says:

    I am fightin too…had all these lawyers to tell me this wasnt going to happen and then when it went down they were like mooooooooove get out….um noooo..then when I showed them proof they still didnt like say okay here let me help you, they said I dont specialize in that, or outside of my pay scale, okay so I called the Supreme court and was like this is deep crap now what do I do and the woman on the phone said people dont usually call here for this and was passed to the Bar Assc.I was given an EXCELLENT attorney at this point , almost too late in the game some said, but this is going to be going on for years to come and when I felt it years ago…thats when I tried to take action and noone would raise a finger to help me.Now I feel empowered , I was feeling weaker by the day,people comin to me hearing me talk about the crap going on and when they called about their own loan they were immediately kicked out on the street with kids to take care of…older people who were dying in their beds of cancer.I have found strength by people like you guys to be diligent in my own pursuit of justice. I was sick about being sold a ghost loan…..but wrong is wrong and I am in it to win it.

  8. 1ofthemany says:

    I do not consent, THEY will prove have if they are the proper entity to be the servicer / thief, will prosecute, will go forward, just need big guns to fight big lies and big corp “friend of the prez”. I am collecting my ammo. There are people out here to help the ones that need help so go digging.. many late nights and so forth, ya ain’t got that ya got nothing so lay down as we step over and we move on. The battle is up to each and every person as we can not come together for some stupid reason. Cheers

  9. Danelle Hills says:

    Most of us are NOT consenting. But it requires some help from legal eagles. And we homeowners can only TRY to find the right lawyer, and hope his or her fees from us are enough to ensure he or she will do everything possible to defeat the criminals. We need also to find someone high enough up in our government who can effectively threaten this “cartel” of defrauders, maybe even threaten impeachment of someone high and mighty, and could believably make it stick, such that there might start to be a shaking out of the criminals and corruption in our government. The deck is so stacked against the homeowner, we feel defeated before even trying. Most of us have already been bled dry financially by these mortgage lenders with the ARM mortgages and then the LIBOR rate fixing that made that even worse. Then most of the legal eagles seem to be trying to negotiate to modify the loans, putting us back into the clutches of the criminal banks. If the mortgage lender did not transfer the paper properly, they should not be entitled to enforce the contract on the homeowner. A fraudulently done transaction used to be a VOID transaction in beginning business law.

  10. JohnR says:

    I feel your rage and acknowledge it…. I feel the same. Not all are doing nothing though. Remember when all hope is gone, it’s not necessary to have hope to persist. Persistance is what wins.

    LPS and Western Progressive LLC
    RECORDER on 12/07/2012 NOD-2012-0771596-Trustee Sale # 2011-10981-

    they have been adding a lot of fees USING Ocwen LOan Servicer and the amount of the NOD is now more than 70K DUE on 3-07-2013!
    they even have a forced place home Insurance for more than 2K and they are COLLECTING TITLE Search for $700 every month since 2011 and litigation fees fer FORECLOSURE DEFENSE!
    inflating MY HOME LOAN with INSPECTION fees and LOT’s of BOGUS fees.
    THEY KNOW as a debt collector only they CAN NOT ADD all these charges WHEN THE HOMEOWNER IS LIVING IN THE PROPERTY! like in our case.

    the NOD STATES:


    Ocwen Loan servicer LLC,
    as Trustee
    Dated as NOVEMBER 1, 2004

    PARK PLACE Securities, INC-
    Asset-Backed Pass-

    Through Certificates Series 2004-

    it’s attorney in fact:
    Western Progressive LLC-
    Madan Kumar
    Team Lead,Western Progressive,DEFAULT Managemet Services
    2002 Summit Blvd.600
    Atlanta, Ga 30319
    770 612 7007 x 297270

    Wester Progressive P.O.Box # 9045 TEMECULA,CA 92589

    BENEFICIARY PHONE -877-596-8580 (OCWEN LOAN SERV)1661 Worthington Rd 100 West Palm Beach Fl 33409
    we have called the Beneficiary phone 877-596-8580 and it’s Ocwen Loan Servicer again

    and Ocwen Loan servicer told us to call attorney in fact Western Progressive LLc-Mr. MADAN KUMAR and

    this man told us not to CALLED HIM and NOT to bother him anymore and to wait
    for a phone call from a lawyer and 5 minutes later a PHONE CALL to my private number from Houser & Allison APc,Carslbad, CA, NY-ph# 760-603-9664
    lawyer MR. MANFORD B SUSMAN called to INFORMED ME ABOUT MY FORECLOSURE PROCESS where I like it or not because he is COUNSEL from
    Acct # 4124823352
    RT# 121000248

    Ocwen LOan Servicer messenger centre in India (on recorder conversation) told us not to speak with lawyer B.Susman! can someone figure ouit this pooling of Wells Fargo NA/dba Ocwn dba Altisource and new Acquisitions?.eg HLLS …can someone help?. Progressive LLC,/LPS/WF”attorney in fact-Madan Kumar from/Western Progressive LLC,and Lawyer Manford B.Susman from WF/OLS/Houser & Allisn APc,Carslbad, CA, NY-
    these companies-debt collectors won’t give us the opportunity to save our home from foreclosure!
    Does anyone Know the Lawyer LIC from Mandan Kumar in Atlanta, GA?.

Leave a Reply